Oconee State Bank

Oconee State Bank Oconee State Bank is a locally owned and operated Community Bank since 1960. Farmers and small merchants had to travel to Athens for their banking needs. Mr. Mrs.

In the early 1900s, there were banks in all the small towns of Oconee County…Bishop, Bogart, Eastville, Farmington and Watkinsville. When the Depression came along in 1929, all the banks went broke and Oconee County was without a bank for the next 30 years. In 1958, a group of community leaders recognized the need for a bank in Oconee County and started a process of getting the necessary approval

for a state chartered community bank. In 1959, they announced that the FDIC had approved a community bank and Oconee State Bank opened its doors for business on February 1, 1960 with 3 employees and a small corner office on Main Street in downtown Watkinsville. Because the local people had lost money in banks that went broke, it was important for the founders to promote the bank as a “locally-owned bank” that would be owned by local citizens who purchased original shares of stock. Thus, it would be a true community bank. One of the strengths of the bank was that it knew its customers and focused on serving the community as well as taking care of its employees and customers. Today, Oconee State Bank has 4 full-service branches located in Oconee County, Clarke County, and Gwinnett County, GA as well as a website which serves as an “Internet Branch.” In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated. Wells served as President of Oconee State Bank from 1979 until 1986. Hansford was one of the first employees of the Bank and served as the Bank’s trainer for years. In June 2021, Oconee State Bank opened its Corporate Headquarters in Downtown Watkinsville, directly beside the Main Office Financial Center. The Headquarters host departments including Marketing, Deposit and Loan Operations, IT, and more. The vision of the founders continues today. We are proud to provide an unparalleled commitment to personalized service, value-added products, and a deep sense of responsibility to the communities we serve. We truly understand what community banking is all about. Oconee State Bank‘s social media policy is that access may be terminated if users upload or make accessible infringing content. To request image removal, please email contact information and image title/details to [email protected]. Oconee State Bank fully supports protecting children’s online identities and privacy. Our page is not directed at children and we do not collect personal information online from or about children under the age 13. Oconee State Bank reminds users to never disclose personal banking information on this site. Have a banking question? Email [email protected]

Just a reminder that all Oconee State Bank locations will be closed Monday, September 7th for Labor Day. We will return ...
09/02/2026

Just a reminder that all Oconee State Bank locations will be closed Monday, September 7th for Labor Day. We will return to normal hours on Tuesday. We hope you have a great long weekend!

Join us in wishing our very own Mrs. Lottie a happy 39th work anniversary! 🎉💙To know Mrs. Lottie is to love her. For nea...
09/01/2026

Join us in wishing our very own Mrs. Lottie a happy 39th work anniversary! 🎉💙

To know Mrs. Lottie is to love her. For nearly four decades, she has been a beloved and familiar face at our Main Office—a true pillar of Oconee State Bank and someone who has made a remarkable impact on generations of customers and team members.

39 years of service, smiles and making a difference. We are so grateful for you, Mrs. Lottie! Please help us celebrate her!

We saved a few more childhood career plans for one last back-to-school throwback. ✏️Our Where Are They Now? series has b...
08/31/2026

We saved a few more childhood career plans for one last back-to-school throwback. ✏️

Our Where Are They Now? series has been a fun reminder that the answer to “What do you want to be when you grow up?” isn’t always set in stone. We’re pretty glad these paths eventually brought our team to OSB! 💙

08/28/2026

Love shouldn't cost you your life savings. 💔
Romance scams often start with kind messages and promises of companionship, but they can end in financial ruin. Scammers prey on trust, especially among seniors, and slowly drain life savings under false pretenses. Talk to your parents and grandparents about the warning signs. Visit the fraud resources page on our website to learn more about how to protect yourself and others from fraud https://bit.ly/4qMdsZz

Accepting payments is part of doing business. Overpaying for it doesn't have to be!Oconee State Bank and BancCard Mercha...
08/27/2026

Accepting payments is part of doing business. Overpaying for it doesn't have to be!

Oconee State Bank and BancCard Merchant Services can help you take a closer look at your current processing and identify opportunities to make payments work better for your business. Talk with your OSB Banker to get started.

Plot twist: They grew up and became bankers. 💙We’re opening the yearbook again for another round of Where Are They Now? ...
08/24/2026

Plot twist: They grew up and became bankers. 💙

We’re opening the yearbook again for another round of Where Are They Now? See what careers our OSB team pictured for themselves back when recess was still part of the daily schedule.

Come out and enjoy some BBQ for a cause!
08/24/2026

Come out and enjoy some BBQ for a cause!

The City of Watkinsville invites the community to come hungry to Oconee’s Best BBQ Competition & Community Event on Saturday, August 29, at Rocket Field in Downtown Watkinsville. The annual event will bring together more than 18 BBQ teams competing for bragging rights and prizes, while raising funds for Lydia’s Place, a local nonprofit serving young adults who have experienced foster care or housing insecurity. The festival will be open to the public from 5:30 to 8:30 p.m. and is free to attend. Guests can enjoy live music from the Brandon Sears Band, free kids’ activities, games, and an evening of community fun. To purchase tickets, visit lydiasplace.kindful.com and select “Oconee’s Best BBQ Contest 2026” to complete your purchase. If you preregister for the event, you will also receive a free bottle of water and bag of chips at check-in!

Another Hog Mountain Bowl is officially in the books! Both teams left it all on the field and played some great football...
08/22/2026

Another Hog Mountain Bowl is officially in the books! Both teams left it all on the field and played some great football. Congratulations to the North Oconee Titans on taking home the trophy! 🏆👏

08/20/2026

A BIG thank you to everyone who entered our Hog Mountain Bowl Giveaway!

We’re also incredibly grateful to the local businesses who helped us fill our Titan and Warrior baskets with some amazing hometown favorites. Thank you to our friends at APEX Climbing, Athens Running Company, Billie Jo Laundry Co., Birdawg Boutique, Bird & Brass, Watkinsville Fit Body Boot Camp, Madelyn Honey Pup & Me Apparel, Petal and Pine, Scoops Watkinsville, South Main Brewing, and other local businesses for helping us celebrate one of our favorite Oconee County Schools hometown traditions!

Oconee Community President Hal Jackson had the honor of drawing our two winners, and the results are in!

❤️ North Oconee Winner: Beth Shelton Thomas
💙 Oconee Winner: Christina Butler

Congratulations! We’ll be reaching out to you directly with details about your prizes.

Now there’s only one thing left to do… bring on the Hog Mountain Bowl!

LAST DAY TO ENTER!Don’t forget—today is your last chance to enter our Hog Mountain Bowl Giveaway! We’ve partnered with s...
08/20/2026

LAST DAY TO ENTER!

Don’t forget—today is your last chance to enter our Hog Mountain Bowl Giveaway! We’ve partnered with some incredible local businesses to create TITAN and WARRIOR raffle baskets packed with hometown favorites!

Want to win?
👍 Like this post
👯 Tag a friend you’ll be cheering with
❤️💙 Tell us in the comments: Are you a TITAN or a WARRIOR?

⏰ Entries close TODAY at NOON! Entries from both Facebook and Instagram will be included.

You could win:
A family 4-pack of Hog Mountain Bowl T-shirts (pending size availability)
$25 gift certificate to Athens Running Company
$20 gift certificate to Scoops
3 FREE months at Fit Body Boot Camp
30 lbs FREE at Billie Jo Laundry Co.
Etched travel mug
Two dog bandanas
Sandblasted Christmas ornament
Custom bowl and hand towel
Beautiful bird print
T-shirts
And even more goodies from local vendors!

A HUGE thank you to our friends at Athens Running Company, Billie Jo Laundry Co., Birdawg Boutique, Bird & Brass, Watkinsville Fit Body Boot Camp, Madelyn Honey Pup & Me Apparel, Petal and Pine, Scoops Watkinsville, South Main Brewing, and other local businesses for helping us celebrate one of our favorite Oconee County Schools hometown traditions!

Get those entries in before noon tomorrow—and we’ll see you under the Friday night lights!

Address

35 N. Main Street
Watkinsville, GA
30677

Telephone

+17067696611

Website

Alerts

Be the first to know and let us send you an email when Oconee State Bank posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Oconee State Bank:

Shortcuts

Share

Category